A Citi credit card may just be the right card for you whether you are looking for a card with rewards or one with a long period of 0% APR on balance transfers and purchases. Citicards are one of GET.com's preferred choice of cards that can help you earn more air miles when you fly on American Airlines or earn free hotel nights at Hilton. What's more, most Citicards now have chip technology, which makes it safer against fraud. If you have good to excellent credit, take a look at these best Citicards in the market right now.

GET.com's Best Citicards

Best ForCredit Card
2% Cash BackCiti® Double Cash Card
Balance TransferCiti Simplicity® Card
American AirlinesCiti® / AAdvantage® Executive World Elite™ Mastercard®

Best Rewards Card That Earns You Cash Back Twice

Credit CardFeaturesIntro APRRegular APRAnnual FeeWhy we like itWe least likeCredit RequiredRelated links
Citi<sup>®</sup> Double Cash Card – 18 month BT offer

Citi® Double Cash Card – 18 month BT offer

APPLY NOWAt Citi's secure website
  • Earn cash back twice. Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
  • To earn cash back, pay at least the minimum due on time.
  • Balance Transfer Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 15.74% - 25.74% based on your creditworthiness.
  • Click "Apply Now" to see the applicable balance transfer fee and how making a balance transfer impacts interest on purchases.
  • Balance Transfers do not earn cash back.
  • The standard variable APR for Citi Flex Plan is 15.74% - 25.74% based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.
APPLY NOWAt Citi's secure website

0% intro APR for 18 months on Balance Transfers

15.74% - 25.74% (Variable)

$0

Why we like it
  • Earn cash back TWICE. Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
  • Introductory APR offer.
Excellent, Good

Citi® Double Cash Card – 18 month BT offer, a partner card, stands out because it lets you earn 2% cash back on your purchases (1% cash back when you buy and 1% as you pay for those purchases). Now, that is a real opportunity to earn decent cash back just by being responsible with your card payments. Cash back can be redeemed for gift cards, checks, or statement credit. There's no need to enroll in cash back categories and there's no limit to the amount of cash back you can earn. You get a 0% intro APR for 18 months on balance transfers. After that, the regular 15.74% - 25.74% variable APR will apply (click 'Apply Now' to see the applicable balance transfer fee and how making a balance transfer impacts interest on purchases). If you are looking for a card that earns you 2% cash back on your purchases with no annual fee, Citi® Double Cash Card – 18 month BT offer is the best option. Here's our review of Citi® Double Cash Card – 18 month BT offer.

Best Balance Transfer And Low Interest Card

Credit CardFeaturesIntro APRRegular APRAnnual FeeWhy we like itWe least likeCredit RequiredRelated links
Citi Simplicity<sup>®</sup> Card - No Late Fees Ever

Citi Simplicity® Card - No Late Fees Ever

APPLY NOWAt Citi's secure website
  • No Late Fees, No Penalty Rate, and No Annual Fee... Ever
  • 0% Intro APR on balance transfers for 21 months from date of first transfer. All transfers must be completed in first 4 months. After that, the variable APR will be 16.49% - 26.49%, based on your creditworthiness
  • 0% Intro APR on purchases for 12 months from date of account opening. After that, the variable APR will be 16.49% - 26.49%, based on your creditworthiness
  • If you transfer a balance with this offer, after your 0% Intro purchase APR expires, both new purchases and unpaid purchase balances will automatically accrue interest until all balances, including your transferred balances, are paid in full
  • There is a balance transfer fee of either $5 or 5% of the amount of each transfer, whichever is greater
  • The same great rate for all balances, after the introductory period
  • Save time when you call with fast, personal help, 24 hours a day - just say "representative"
  • Enjoy the convenience of setting up your own bill payment schedule on any available due date throughout the month
APPLY NOWAt Citi's secure website

0%* intro APR on purchases* for 12 months and balance transfers for 21 months*

16.49% - 26.49%* (Variable)

$0*

Why we like it
  • No Late Fees, No Penalty Rate, and No Annual Fee... Ever.
  • 0% Intro APR on purchases for 12 months from date of account opening. After that, the variable APR will be 16.49% - 26.49%, based on your creditworthiness.
We least like
  • No rewards program.
Excellent, Good

Citi Simplicity® Card - No Late Fees Ever is a great card for people who want to do a 0% balance transfer to cut any existing debt. It comes with 0% intro APR on purchases for 12 months and balance transfers for 21 months, and after that, you will have a 16.49% - 26.49%* variable APR on purchases and balance transfers. You can transfer almost any kind of debt to this card, including student loans, car loans or store card debt. Citi Simplicity® Card - No Late Fees Ever can truly simplify your life - there are no late fees, no penalty APR, no annual fee, ever. So there's less worry for those times when you don't manage to pay on time. We absolutely love the free Citi® Price Rewind benefit which searches for a lower online price on your registered purchases after checkout. Here's our Citi Simplicity® Card - No Late Fees Ever review.

Best American Airlines Card With No Annual Fee

Credit CardFeaturesIntro APRRegular APRAnnual FeeWhy we like itWe least likeCredit RequiredRelated links
American Airlines AAdvantage MileUp℠ Card

American Airlines AAdvantage MileUp℠ Card

APPLY NOWAt Citi's secure website
  • Earn 10,000 American Airlines AAdvantage® bonus miles and receive a $50 statement credit after making $500 in purchases within the first 3 months of account opening*
  • No Annual Fee*
  • Earn 2 AAdvantage® miles for each $1 spent at grocery stores, including grocery delivery services*
  • Earn 2 AAdvantage® miles for every $1 spent on eligible American Airlines purchases*
  • Earn 1 AAdvantage® mile for every $1 spent on other purchases*
  • Save 25% on inflight food and beverage purchases when you use your card on American Airlines flights*
  • The standard variable APR for Citi Flex Plan is 17.74%-25.74%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.
APPLY NOWAt Citi's secure website

N/A

17.74% - 25.74%* (Variable)

$0*

Excellent/Good

American Airlines AAdvantage MileUp℠ Card is a great card to have if you want to earn AAdvantage® miles with a $0 annual fee. Earn 10,000 American Airlines AAdvantage® bonus miles and a $50 statement credit after you make $500 in purchases within the first 3 months of account opening. You can earn 2 AAdvantage® miles for each $1 spent at grocery stores (including grocery delivery services) and on eligible American Airlines purchases. Earn 1 AAdvantage® mile for every $1 spent on other purchases. There is no cap on how many AAdvantage® miles you can earn! As an added perk, save 25% on inflight food and beverage purchases you make on American Airlines flights.

Best Secured Credit Card From Citi

Credit CardFeaturesIntro APRRegular APRAnnual FeeWhy we like itWe least likeCredit RequiredRelated links
Citi<sup>®</sup> Secured Mastercard<sup>®</sup>

Citi® Secured Mastercard®

APPLY NOWAt Citi's secure website
  • Use your card anywhere Mastercard® is accepted — worldwide.
  • The Citi® Secured Mastercard® is a no annual fee credit card that helps you build your credit when used responsibly.
  • Unlike a debit card, it helps build your credit history with monthly reporting to all 3 major credit bureaus. Once available, you will also have free access to your FICO score online.
  • Use your card anywhere Mastercard® is accepted — worldwide.
  • A security deposit is required. Once approved, your credit limit will be equal to your security deposit (minimum of $200).
  • Get help staying on track with Auto Pay and account alerts.
  • With Flexible Payment Due Dates, you can choose any available due date in the beginning, middle or end of the month.
  • Manage your account 24/7 online, by phone, or in our mobile app.
APPLY NOWAt Citi's secure website

N/A

24.24%* (Variable)

$0

Why we like it
  • Use your card anywhere Mastercard® is accepted — worldwide.
  • Manage your account 24/7 online, by phone, or in our mobile app.
New to Credit

Citi® Secured Mastercard® gives you many of the benefits you might be used to from regular credit cards, including the freedom to use the card at any merchant or ATM which accepts Mastercard. At the same time, it is a secured card, which means you pay down a security deposit (minimum $200) and receive a line of credit equal your deposit, up to a maximum credit line of $2,500. There is a 24.24%* variable APR, so avoid carrying a balance on this card. This is a good card to use if you need to build your credit, because monthly notifications are sent to the credit bureaus. There card has a $0 annual fee. Read our review of Citi® Secured Mastercard® here.

Best Credit Card For Costco Members

Credit CardFeaturesIntro APRRegular APRAnnual FeeWhy we like itWe least likeCredit RequiredRelated links
Costco Anywhere Visa<sup>®</sup> Card by Citi

Costco Anywhere Visa® Card by Citi

APPLY NOWAt Citi's secure website
  • Discover one of Citi’s best cash back rewards cards designed exclusively for Costco members
  • 4% cash back on eligible gas for the first $7,000 per year and then 1% thereafter
  • 3% cash back on restaurants and eligible travel purchases
  • 2% cash back on all other purchases from Costco and Costco.com
  • 1% cash back on all other purchases
  • No annual fee with your paid Costco membership* and enjoy no foreign transaction fees on purchases*
  • Receive an annual credit card reward certificate, which is redeemable for cash or merchandise at U.S. Costco warehouses, including Puerto Rico
  • The standard variable APR for Citi Flex Plan is 16.99%. Citi Flex Plan offers are made available at Citi's discretion.
APPLY NOWAt Citi's secure website

N/A

16.99%* (Variable)

$0*

Why we like it
  • 4% cash back on eligible gas for the first $7,000 per year and then 1% thereafter.
  • 2% cash back on all other purchases from Costco and Costco.com.
Excellent

Costco Anywhere Visa® Card by Citi lets you earn 2% cash back on all other purchases from Costco (and Costco.com). But what makes this card really attractive is that you earn 4% cash back on the first $7,000 spent in gas purchases per year (1% thereafter). Plus you earn 3% cash back on restaurants and eligible travel purchases. All other purchases earn 1% cash back. This card has no foreign transaction fees and no annual fee, but you must be a Costco member to apply. Get more info in our review of Costco Anywhere Visa® Card by Citi here.

Best American Airlines Credit Card With Exclusive Perks

Credit CardFeaturesIntro APRRegular APRAnnual FeeWhy we like itWe least likeCredit RequiredRelated links
Citi<sup>®</sup> / AAdvantage<sup>®</sup> Executive World Elite™ Mastercard<sup>®</sup>

Citi® / AAdvantage® Executive World Elite™ Mastercard®

APPLY NOWAt Citi's secure website
  • Earn 50,000 American Airlines AAdvantage® bonus miles after spending $5,000 in purchases within the first 3 months of account opening
  • Earn 50,000 American Airlines AAdvantage® bonus miles after spending $5,000 in purchases within the first 3 months of account opening
  • Admirals Club® membership for you and access for guests traveling with you
  • Complimentary Admirals Club® lounge access for authorized users
  • Earn 10,000 AAdvantage® Elite Qualifying Miles (EQMs) after you spend $40,000 in purchases within the year
  • No Foreign Transaction Fees on purchases*
  • Earn 2 AAdvantage® miles for every $1 spent on eligible American Airlines purchases and 1 AAdvantage® mile for every $1 spent on other purchases
  • First checked bag is free on domestic American Airlines itineraries for you and up to 8 companions traveling with you on the same reservation
  • The standard variable APR for Citi Flex Plan is 17.49% - 25.49%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.
APPLY NOWAt Citi's secure website

N/A

17.49% - 25.49%* (Variable)

$450

Why we like it
  • Earn 50,000 American Airlines AAdvantage® bonus miles after spending $5,000 in purchases within the first 3 months of account opening.
  • Admirals Club® membership for you and access for guests traveling with you.
We least like
  • High annual fee.
Excellent

Citi® / AAdvantage® Executive World Elite™ Mastercard® is a more exclusive American Airlines credit card which lets you earn 10,000 Elite Qualifying Miles from American Airlines each year (January through December billing statement) in which you charge $40,000 of purchases to it. As a cardholder you get complimentary Admirals Club® membership with guest privileges, so you can relax in a lounge instead of being bumped around crowded waiting areas. When traveling with American Airlines on domestic itineraries, your first checked bag is free (for you and up to 8 companions traveling with you on the same reservation). Every 5 years you will receive a statement credit of up to $100 as reimbursement for your Global Entry or TSA Pre✓® application fee. Other benefits include an expert concierge service (24/7) and 25% savings on eligible in-flight purchases when flying with American Airlines. When you successfully apply for this card and charge $5,000 of purchases within the first 3 months of account opening, you earn 50,000 American Airlines AAdvantage® bonus miles. You earn 2 AAdvantage® miles for every $1 of eligible American Airlines purchases. You also earn 1 AAdvantage® mile for every $1 you spend on other purchases. This high-end card has a $450 annual fee. Read our review of Citi® / AAdvantage® Executive World Elite™ Mastercard® here.

Best Business Credit Card For Costco Members

Credit CardFeaturesIntro APRRegular APRAnnual FeeWhy we like itWe least likeCredit RequiredRelated links
Costco Anywhere Visa<sup>®</sup> Business Card by Citi

Costco Anywhere Visa® Business Card by Citi

APPLY NOWAt Citi's secure website
  • Discover the only business credit card designed exclusively for Costco members
  • 4% cash back on eligible gas for the first $7,000 per year and then 1% thereafter
  • 3% cash back on restaurants and eligible travel purchases
  • 2% cash back on all other purchases from Costco and Costco.com
  • 1% cash back on all other purchases
  • No annual fee with your paid Costco membership* and enjoy no foreign transaction fees on purchases*
  • Whether you’re traveling for business or pleasure, enjoy no foreign transaction fees on purchases*
  • Receive an annual credit card reward certificate, which is redeemable for cash or merchandise at U.S. Costco warehouses, including Puerto Rico
APPLY NOWAt Citi's secure website

N/A

16.99%* (Variable)

$0*

Why we like it
  • 4% cash back on eligible gas for the first $7,000 per year and then 1% thereafter.
  • 2% cash back on all other purchases from Costco and Costco.com.
We least like
  • Costco Cash Rewards not redeemed by December 31 of the year issued will also be forfeited.
Excellent Credit

Costco Anywhere Visa® Business Card by Citi is a great card to use if you are looking to earn cash back on your gas purchases. Earn 4% cash back on the first $7,000 you spend on eligible gas purchases at Costco every year, after that you will earn 1% for any additional gas purchases you make. Earn 3% cash back on travel purchases made through travel agencies including Costco Travel, such as hotel accommodations, airline tickets, travel bookings, and car rentals. You also earn 3% cash back for any purchases you make at fast food restaurants, restaurants, cafes, bars and lounges. On all other purchases made from Costco and Costco.com you earn 2% cash back. Earn 1% cash back on all other purchases. This card has a 16.99% variable APR on purchases and balance transfers. No annual fee. Read our review of Costco Anywhere Visa® Business Card by Citi here.